STRUCTURED  SETTLEMENTS    What  are  structured  settlements?    Structured  settlements  are  agreements  reached  between  personal   injury  plaintiffs  and  defendants  that  provide  compensation  to  the  plaintiffs  for  a  specified  period  of  time.    In  accordance   with   the   terms   and   conditions   of   each   agreement,   the   defendant   or   its  liability  insurer  purchases  an  annuity  from  a  highly-­‐rated  insurance  company  that  makes  the   agreed   payments,   regardless   of   whether   those   payments   are   paid   on   a  monthly,  quarterly,  or  annual  basis,  or  some  combination.      How   can   my   clients   benefit   from   investing   in   structured   settlements   with  Woodbridge?  Structured   settlement   purchases   through   Woodbridge   provide   your   clients   with  irrevocable  rights  to  the  structured  settlement  annuity  payments  that  they  purchase  by  means   of   a   court   order   designating   your   client   as   the   payee,   while   providing   a  contractually-­‐guaranteed  annual  fixed  rate  of  return  of  between  4%  and  7%  (depending  on  the  payment  stream  time  frame).      What  are  some  of   the  compelling  reasons  you  and  your  clients  can  feel  comfortable  about  the  safety  of  this  investment?  Structured  settlements  are  funded  by  highly-­‐rated  insurance  company  annuities.  These  structured   settlement   obligations   are   backed   by   the   insurance   companies   that   issue  them.   To   date,   we   are   not   aware   of   any   insurance   company   structured   settlement  obligation  that  has  gone  unpaid.        As  a  financial  planner,  what  do  I  need  to  know  about  structured  settlements?  Structured   settlement   transactions   do   not   involve   the   sale   of   either   a   security   or   an  insurance  product,  so  no  license  is  required  to  sell  them.    Your  broker-­‐dealer  will  view  these  as  Outside  Business  Activity  (OBA).    As  a  non-­‐fee  based  financial  planner,  how  am  I  compensated  when  I  place  my  clients  in  this  investment?  When   you   sell   a   structured   settlement   to   a   client,   you   set   your   own   compensation,  earning  the  difference  between  wholesale  pricing  and  the  price  you  set  with  your  client.    This   allows   you   to   earn   above-­‐average   compensation  while   your   clients   enjoy   annual  returns  of  between  4%  and  7%.    The  following  example  illustrates  this:                        Want  to  learn  more?  Visit  www.settlementbuying101.com  for  a  simple  and  informative  video  illustrating  how  Structured  Settlements  work.  For  another  higher-­‐yield  product  of  interest,  see  reverse.  

Two  Financial  Opportunities  with  Safety  &  Yield  in  Mind    Woodbridge  Structured  Funding,  LLC  and  its  affiliate,  Woodbridge  Mortgage  Investment  Fund  2,  LLC,  offer  several  products  that  can  benefit  your  clients  looking  to  increase  their  returns  in  today’s  low  interest  rate  environment.    Each  of  these  products  is  designed  to  balance  your  clients’  desire  for  security  and  attractive  yields  that  many  other  financial  products  do  not  offer.      You  can  now  help  your  clients  achieve  greater  diversification  and  balance  their  portfolios  with  these  lower-­‐risk  opportunities  that  can  deliver  profits  to  long-­‐term  and  short-­‐term  clients  alike.    Moreover,  these  vehicles  offer  safe  financial  growth  for  your  clients  while  offering  you  an  attractive  commission  structure.    Woodbridge  will  provide  you  with  daily  updated  opportunities  that  you  can  present  to  your  clients.      

Get  started  today.    Call  Woodbridge  to  learn  how  you  can  start  building  client  satisfaction  and  loyalty  with    lower-­‐risk,  higher-­‐yield  products  offered  by  Woodbridge  and  its  affiliates.        Call  888.401.2464  for  your  password  to  view  our  website  designed  uniquely  for  financial  planners  www.WSFresources.com.      

Call  us  now  at  (888)  401-­‐2464      

Metropolitan  Life  Structured  Settlement    Payments:  120     Amount:  $2500   Frequency:  Monthly  Start:  7/1/2013     End:  6/1/2023   Total  Payout:  $300,000.00    Wholesale  Rate:              6.00%   Wholesale  Price:                              $223,209.27  Buy  Rate:                                      5.00%            Buy  Price:                        $233,759.96    Compensation:    $10,550.69  

 

 FIRST-­‐POSITION  COMMERCIAL  MORTGAGES

 What  are  First-­‐Position  Commercial  Mortgages  (FPCMs)?    First-­‐position  commercial  mortgages  are  short-­‐term  bridge  loans,  usually  about  one  year  in  duration,  made  to  commercial  property  owners.    Each  FPCM  is  secured  by  a  valuable  hard  asset  -­‐  the  subject  property  itself  -­‐  and  offers  the  lender  a  lucrative  yield  during  the  limited  duration,  generally  about  12  months,  while  providing  a  recorded  first-­‐lien  position.      Isn’t  real  estate  a  risky  vehicle  for  my  clients?    Accepting  that  every  vehicle  idea  has  its  own  risks,  the  Woodbridge  Mortgage  team  believes  the  time  to  offer  FPCMs  is  when  property  values  are  low  -­‐  as  seen  in  the  current  economic  environment.    We  believe  that  there  has  never  been  a  better  time.  This  FPCM  product  builds  on  that  concept,  offering  higher-­‐interest;  short-­‐term  commercial  loans  secured  by  hard  assets  with  low  loan-­‐to-­‐value  (LTV)  ratios.  Woodbridge  looks  to  keep  the  LTV  ratio  low,  to  create  greater  equity.  That  means  the  hard  assets  that  secure  these  FPCMs  are  worth  more  than  the  loans  themselves  at  closing,  to  address  potential  foreclosure  or  default  situations.    All  the  while,  your  clients  hold  a  first-­‐lien  position  in  the  mortgage,  and  Woodbridge  Mortgage  Investment  Fund  2,  LLC  (“the  Fund”)  participates  confidently  alongside  your  clients,  holding  a  second-­‐lien  position  in  that  mortgage.    Woodbridge,  an  expert  at  evaluating  commercial  mortgages  offers  the  following;    

1. Evaluation:    The  Woodbridge  Mortgage  team  thoroughly  evaluates  each  subject  property  before  allowing  your  client’s  hard-­‐earned  dollars,  and  its  own,  to  be  loaned  to  the  prospective  borrower.    We  base  the  loan  on  the  value  of  the  real  estate,  so  the  property  will  always  be  worth  considerably  more  than  the  amount  of  the  loan  at  closing.    We  conduct  an  extensive  appraisal  and  title  search  of  every  property  to  ensure  that  we  have  a  legally-­‐insured  first  mortgage  position.    

2. Continuity:     Even   if   the  borrower  does  not  make   the   required   regular  payments  or   should  otherwise  default  on   the  loan,  the  Fund  continues  to  make  payments  to  your  clients  as  if  the  default  did  not  occur.        

3. Collateral:    The  equity  in  the  property  is  your  client’s  collateral.    If  necessary,  the  Fund  will  be  able  to  foreclose  on  the  property  on  behalf  of  your  client  and  itself  to  provide  for  the  returns  that  your  client  expects  to  receive.        

 As  a  financial  planner,  what  do  I  need  to  know  about  FPCMs?  FPCMs  do  not  involve  the  sale  of  either  a  security  or  an  insurance  product,  so  no  license  is  required  to  sell  them.    Your  broker-­‐dealer  will  view  these  as  Outside  Business  Activity  (OBA).                                                                                                                                                                                                                                    As  a  non-­‐fee  based  financial  planner,  how  am  I  compensated  when  I  place  my  clients  in  this  product?  When  you  sell  an  FPCM  to  a  client,  you  set  your  own  compensation,  earning  the  difference  between  wholesale  pricing  and  the  price  you  set  with  your  client.    The  following  example  illustrates  this.            

           

Call  Woodbridge  to  learn  how  you  can  start  building  client  satisfaction  and  loyalty  with  lower-­‐risk,  higher-­‐yield  products  offered  by  Woodbridge  and  its  affiliates.  Call  us  now  at  (888)  401-­‐2464  or  visit  www.woodbridgecommercialmortgage.com    Call  for  your  password  to  view  our  website  designed  uniquely  for  financial  planners  www.WSFresources.com  

 

1-­‐year  FPCM  on  a  bowling  alley  in  Union  City,  GA  ($2.2M  appraised  value)    

    1st  lien  position  (Client)  $750,000       2nd  lien  position  (Fund)     $100,000    

YIELD  TO  CLIENT     YOUR  FEE                        MONTHLY  AMOUNT  TO  CLIENT  7%       2%  ($15,000)       $4,375.00,  for  12  months  6%       3%  ($22,500)       $3,750.00,  for  12  months  5%       4%  ($30,000)       $3,125.00,  for  12  months